Our lending criteria

Acceptable property types

Acceptable Deposits

Acceptable warranty providers

Adverse Credit History

Affordability calculator

Age of applicants

Buy-to-Let/Consumer Buy-to-Let

Capital raising

Concessionary Purchases/Gifted Equity


Debt consolidation

Fixed term contracts

Heartland definition

Holiday-Let criteria (England, Scotland and Wales)

Holiday-Let criteria (Scotland)

Interest-only and repayment types

Joint Borrower Sole Proprietor

Lending criteria where loan exceeds 80% LTV

Lending into retirement

Loan to income

LTV and maximum loan sizes

Minimum and maximum term

New Build Incentives

Portfolio landlords

Probation periods

Regulated Buy-to-Let


Self-employed income

Short-term lending

Stepped Rates/What are Stepped Rates?

Valuation fees

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BDM contacts

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